Originally Posted by OnAMileHigh
I called the retention line today and was offered 10,000 points over 5 months or the $95 credit. I took the credit. My monthly charges have been running about $5K. I was pleasantly surprised at how easy it was to get the retention bonus!
Unless you don't plan on actually using the card every month, I would have taken the 10,000 points considering you can convert 10,000 points to $120 in cash basically (10,000 points x 1.25 cents/point credit against a charge - $5.00 fee = $120).